Rating based on 22 reviews

Creation Finance


  • Affordable loan options
  • Low interest rates
  • Flexible repayments

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Creation Finance homepage

Author Creation Finance. Screenshot of Creation Finance website. [Accessed May 11, 2020]

About Creation Finance

Do you need a personal loan to upgrade your car, consolidating debts or planning home improvements?

A personal loan from Creation is an affordable choice for UK residents. We also assist our clients with planning for finances with confidence, knowing what your monthly repayments are upfront, and we keep the repayments fixed. A simple, competitive personal loan that you can obtain quickly is how we like to do business.

Use our loans calculator

You are able to see whether you would qualify for a loan without completing the full application process. Use our online loans calculator and find out what your repayments could be.  It is an easy way to see if you qualify for a loan without having to take the time to complete the entire online application process.

Key benefits of personal loans

Personal loans should be simple and straightforward and that is why our online application takes just minutes to complete. The loan funds will be transferred directly into your account. Here are the key benefits of our personal loans.

  • AN INSTANT decision
  • BORROW what you need between £1,000 and £25,000
  • CHOOSE a repayment term from one to five years
  • FIXED monthly payments to help you budget
  • NO SETUP charges or hidden fees

Secure online application

Every online loan application is protected by the latest 128-bit encryption security software to ensure the protection of your sensitive information. Ensuring the security of your  personal details is how number one priority. 

Creation Finance Services

If you are looking to find a personal loan from £1,000 and £25,000 with flexible repayment terms of one to five years, we are the answer you have been looking for.

No fees

Keeping our loans affordable is what we intend to do and therefore you pay absolutely no setting up fees for your personal loan. We simply do not believe in unnecessary costs.

Fixed repayments

A fixed repayment on your personal loan helps you to budget effectively and as you know, we try to help our customers every step of the way.

No set up or hidden fees

Affordability is at the core of our personal loans and it is the reason our customers choose us as a preferred lender. We do not have any set up charges or hidden fees. Transparency is what you can expect when dealing with us.

Repayment methods

At Creation you have the option of four different as we like our customers to have options when choosing our personal loans.

  1. Direct Debit
  2. Online
  3. Telephone
  4. Bank Transfer

Creation Finance Product Details

  • Loan Type Personal loans

Benefits of Creation Finance

  • A simple and straightforward loan service
  • Choose between loan options

Are you looking for a competitive loan?

Customers are encouraged to ensure that they are eligible for a personal loan.

We require for you to meet the following requirements

  • If you are aged 23 or over but under the age of 70
  • A minimum gross income of £12,000 per annum
  • You are required to have a bank or building society current account
  • No history of bad credit
  • Only permanent UK residents for at least three years can apply

Information needed to apply

Furthermore, we will also request the following information during your personal loan application.

  • BANKING details for fund transfer
  • HOME telephone number
  • ADDRESS details for the last three years
  • EMPLOYMENT details
  • DETAILS of your expenses

Loan amounts and repayment terms

Our online loans are available from £1,000 to £25,000 over a repayment period from 12 to 60 months.

Instant decisions on our loans

You will receive an approval decision instantly after you apply online or over the phone. Should we require additional information, we will let you know.

Fund transfer

Should you application be approved, the funds will usually be transferred to your nominated bank account within five working days of receiving your signed agreement.

Early repayment

You are able to settle your loan earlier than the agreed term, provided that we receive notice thereof. We will let you know what your repayment amount will be, which will be valid for 28 days. You also have the option of extra repayments. Simply let us know by phone or in writing.

man holding thumbs up

Creation Finance is a trusted & reliable provider of personal loans

In our review, Creation Finance adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Creation Finance is a registered credit provider in the UK; FCA number 311518

Customer Reviews & Testimonials

I wanted a loan that was affordable - what could be more affordable than low-interest rates and now start-up fee? I can strongly recommend CF.

Liam O
— Belfast —

Their online loan calculator was very helpful in letting me see not just what my loan would cost me, but also what I realistically could afford to repay monthly.

Gary K
— Leeds —

Super fast and affordable loan option!

Victoria D
— Glasgow —

A pretty decent lender who understands that people have different needs and abilities to repay their loan. I can choose how I want to repay my loan and it is on my terms which I appreciate.

Hannah G
— Leicester —

Creation Finance Contact Details

Contact Number


  • not available


Physical Address

Postal Address

  • PO Box 14455, Birmingham, B25 9ER, UK

Opening Hours

  • Monday 08:30 – 22:00
  • Tuesday 08:30 – 22:00
  • Wednesday 08:30 – 22:00
  • Thursday 08:30 – 22:00
  • Friday 08:30 – 22:00
  • Saturday 09:00 – 20:00
  • Sunday 11:00 – 18:00